Does anyone know if there is a Insurance that protects rentals from tenant damage over the deposit amount?

I'm curious because a tenant asked me to install radiator covers to protect their newborn when he crawls around.

If you are doing a 12 month Low the intentions of dropping 40k in improvements to flip what is best way to protect the equity you put into the deal?

lenders just don't want or like landlord business, so they make nonsense up to turn away the landlord business they do not want in a way that does not violate the Equal Credit Opportunity Act (it is perfectly lawful to discriminate in mortgage lending based on "lack of time travel ability" as that is not a protected class).

Thomas S.Yes, we were planning on splitting the utilities 60/40 and averaging what our utilities have been for the past year plus about $10-$15 a month (for protection).

I want to make the right decision in terms of personal protection down the road once I have quite a few properties to protect my assets.

Most of the banks I talked to want me to buy the homes under my name and then transfer it to my LLC for liability protection.

I just want to be able to protect myself from damages while it's still learning to be this way. 

One thing I forgot to mention is that I paid most of the work on a credit card through paypal... so I will seek buyer protection from the documentation there. 

@Clarice Tan Land ownership laws in Indonesia--and to a lesser extent MY--are set up to protect their citizens (foreigner ownership and freehold restrictions, minimum value, etc).